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2024

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Best Homeowners Insurance Agencies in Decatur, IL

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Decatur Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

47Reviewed

30Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

500 West Main Street, Decatur, IL 62522

Expertise.com Rating

Review Sources

Google
4.8 (11)

Why choose this provider?

Agency One Insurance & Real Estate is an insurance company that operates in Decatur. It provides homeowners with coverage for any unexpected damages, such as fires or theft, and subsequent repairs or replacement. It covers different types of properties like single-family homes, apartments, and manufactured homes. Its agents offer to check on a client's current policy and find ways to reduce expenses or find a better coverage plan. The company also provides insurance plans for life, health, and business concerns.

  • Condos
  • Renter's Insurance
  • Multiple Policy Types

636 W Imboden Dr, Decatur, IL 62521

Expertise.com Rating

Review Sources

Google
5.0 (36)

Why choose this provider?

Richland Insurance Services is a Decatur-based independent insurance agency established in 2014. It offers a homeowners' insurance policy that covers a home or an apartment. The policy assists with the replacement of any personal property destroyed by fire or other disasters, and serves as protection from potential lawsuits filed by someone injured at a client's home. Richland Insurance Services works with different insurance carriers to get the best coverages for its clients. It also offers condo and renters' insurance.

  • Multiple Policy Types

225 South Main Street, Decatur, IL 62523

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Eagle Rock Insurance Services is an insurance brokerage firm that has been serving the Decatur metro area and surrounding communities for more than 30 years. The company guides homeowners in selecting the best insurance policy among several carriers that can protect their homes and personal properties against future disasters. Its licensed agents create personalized insurance solutions based on the requirements of their residential clients. Other offerings include auto, boat, life, motorcycle, and business insurance plans. The company also serves clients throughout the United States.

  • Multiple Policy Types

3795 N Woodford St, Decatur, IL 62526

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

Preston Insurance Agency Illinois LLC. provides personal and commercial insurance options for clients in Decatur and the rest of the region. The team of agents helps clients choose the right homeowners' insurance policy to safeguard their private residences and their personal belongings in case of financial loss due to disasters. The agents discuss the three common risks or disasters the insurances may cover which are fire, flood, and theft. The agency has been in the industry for over three decades.

  • Fire
  • Personal Property Insurance
  • Flood

300 N. State Hwy 121, Mount Zion, IL 62549

Expertise.com Rating

Review Sources

Google
4.9 (21)
Facebook
5.0 (10)

Why choose this provider?

Gibson Insurance Agency, Inc. provides personal and business insurance solutions to clients in Decatur and in areas around Macon County. Its team of agents helps clients find the right homeowners' insurance policy that can safeguard their homes, other structures on their properties, personal belongings, and additional expenses incurred due to a covered loss. Other coverages include personal liability protection. Established in 1967, the company also offers condo and renters' insurance.

  • Renter's Insurance
  • Condos

114 N Main Street, Sullivan, IL 61951

Expertise.com Rating

Review Sources

Google
4.9 (56)

Why choose this provider?

Duriah Delp is a State Farm insurance agent who specializes in a range of products for clients living in and around the Decatur area. The licensed agent has offered various policies suitable for homeowners who want protection in case their homes are burgled or damaged in a fire. He's also provided policies that protect homeowners against liability claims by people injured while in the home. His additional services include offering insurance to drivers, business owners, and pet owners.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Agency One Insurance & Real Estate
500 West Main Street, Decatur, IL 62522
Richland Insurance Services
636 W Imboden Dr, Decatur, IL 62521
Eagle Rock Insurance Services
225 South Main Street, Decatur, IL 62523
Preston Insurance Agency Illinois LLC
3795 N Woodford St, Decatur, IL 62526
Gibson Insurance Agency, Inc.
300 N. State Hwy 121, Mount Zion, IL 62549
Duriah Delp - State Farm Insurance Agent
114 N Main Street, Sullivan, IL 61951

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Does making improvements to your property affect your homeowners' insurance in Decatur?

    In Decatur, making home improvements can increase your home's value but may lead to higher insurance costs. These expenses can rise if the renovations require more coverage or pose increased liability risks. On the other hand, if the renovations enhance your home's safety, such as by upgrading electrical or plumbing systems, you may qualify for lower premiums after a thorough assessment by your insurance provider.

  • Are personal injuries covered by homeowners' insurance in Decatur?

    Typically, homeowners’ insurance policies in Decatur include liability protection, which covers injuries to individuals on your property or property damage that occurs while they are there. However, it's important to review your coverage details, as exclusions and limitations can differ from one policy to another. It is also highly recommended to confirm with your insurer to ensure coverage for specific events.

  • What is "actual cash value" in Decatur homeowners' insurance?

    Actual cash value in Decatur homeowners' insurance refers to the method of valuing your belongings by factoring in depreciation and considering the age and condition of your property. Unlike replacement cost, which covers the cost of a new item without factoring in depreciation, an actual cash value policy takes into account the decreased value of items over time.

  • What happens to your homeowners’ insurance if your home is vacant for an extended period in Decatur?

    Your standard homeowners' insurance policy in Decatur may not provide coverage if your home is vacant for an extended period. Vacant home insurance policies are specifically designed to provide coverage for unoccupied homes, such as those being prepared for sale, undergoing repairs, or not currently occupied full-time. You can either obtain a separate vacant home insurance policy or add it to your existing homeowners’ insurance policy.

  • Does the area's crime rate affect homeowners’ insurance rates in Decatur?

    Yes. Living in an area with a high crime rate can lead to higher homeowners' insurance rates in Decatur. This is because insurance companies view such areas as having a higher risk of claims related to theft or property damage due to criminal activities. To manage this risk, insurers may increase premiums or require policyholders to add endorsements to their policies for added coverage.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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